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All Journal IQTISHADUNA: Jurnal Ekonomi dan Keuangan Islam Jurnal Perbankan Syariah
Safwira Guna Putra
UIN Mataram
Economics, Econometrics & Finance

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CAPITALIZATION RATE ON RESIDENTIAL SECTOR IN MATARAM Safwira Guna Putra
IQTISHADUNA Vol. 12 No. 2 (2021): IQTISHADUNA: Jurnal Ekonomi dan Keuangan Islam
Publisher : UIN Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (360.414 KB) | DOI: 10.20414/iqtishaduna.v12i2.4327

Abstract

The capitalization rate is an important factor and must be presented in order to valuing a property applying income approach and direct capitalization method. This paper attempt to measure the capitalization rate on residential sector in district of Mataram through the overall capitalization rate theory developed by the International Association of Assessment Officers. Measurements of central tendency and dispersion were conducted to find out early indications related to the characteristics and tendencies of the capitalization rate. In addition, regressivity and progressivity test was conducted through simple regression analysis and Spearman rank test correlation to determine the lease pattern. Utilizing purposive sampling as many as 70 samples were divided proportionally according to number of sub-district. This research showed that average capitalization rate in district is 4.39%, while average capitalization rate for each sub-district varied widely from 3.7% to 5.31%. Individually, the highest capitalization rate is 6.15% and the lowest is 3.33%. Higher capitalization rate indicated higher percentage return than lower capitalization rate. Regression and correlation analysis showed that capitalization rate tends to regressive against market price or there is a regressive relationship between capitalization rate and market price. The interesting result of this paper is a property with higher market price has lower percentage return than a property with lower market price, and vice versa.
Perspektif Maqashid Al-Syariah terhadap Ta'zir dan Ta'widh dalam Mitigasi Moral Hazard Nasabah Bank Syariah di Indonesia Safwira Guna Putra; Muslihun
Jurnal Perbankan Syariah Vol. 5 No. 1 (2026): Jurnal Perbankan Syariah (JPS)
Publisher : Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jps.v5i1.15615

Abstract

Islamic banking prioritizes wealth protection (li hifz al-mal) as a core principle in financing contracts, yet faces significant moral hazard risks from customers who delay or default on payment obligations. This study examines the implementation of ta'zir and ta'widh in Indonesian Islamic banking as instruments for mitigating moral hazard within the maqashid syariah framework. Employing a qualitative approach with a normative empirical design, data were collected through in-depth interviews with informants selected purposively based on their relevance and expertise, and analyzed using the interactive model by Miles and Huberman. The findings reveal that ta'zir and ta'widh are understood as multidimensional instruments: protecting the wealth of depositors, disciplining and educating borrowers, and enforcing contractual justice. Ta'zir functions as a preventive and educational sanction, while ta'widh serves as compensation for actual losses incurred due to default. Islamic banks clearly distinguish between customers who intentionally delay payment and those who are genuinely unable to pay. In cases of genuine inability, banks refrain from demanding margins and fines, yet ensure principal repayment to safeguard the rights of depositors. This study strengthens the argument that maqashid syariah operates not only at the normative level but is effectively translated into institutional instruments and operational practices in Islamic banking. The practical implications call for Islamic banks to strengthen education and socialization regarding the normative objectives of ta'zir and ta'widh, ensuring transparent, consistent, and socially beneficial application. Keywords: ta'zir, ta'widh, maqashid syariah, moral hazard, Islamic banking.
Co-Authors Muslihun